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Old 08-02-2011, 11:26 AM   #1
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Insurance coverage -- again

2006 Quig conversion, 6.0, with boat loads of bullet proof, aftermarket engine & drive train products, now prepared to start the SMB camper conversion process. Insurance Co's all want an APPRAISAL in order to get stated value replacement coverage. Who out there does Professional Appraisals? I am located in Cave Creek, AZ. Also note that I am a licensed & credentialed insurance adjuster and feel sorry for any carrier adjuster who may stub their toe while adjusting a claim with me, family or a friend. Remember that if a carrier binds coverage, they are on the hook for your vehicle, especially if the carrier has been presented with documentation indicating aftermarket upgrades.
Professional Appraisers wanted asap, thank you.
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Old 08-02-2011, 12:13 PM   #2
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Re: Insurance coverage -- again

I insure with AAA. My stock 2006 E-350 was insured before the SMB conversion (RB-50 + 4X4). I provided them with evidence (invoices) of the modifications costs and they took a few pictures. The good news was the insurance premium dropped $183/year. Very simple process.
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Old 08-02-2011, 12:21 PM   #3
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Re: Insurance coverage -- again

State Farm had me bring my van in to my agents office for an appraisal.
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Old 08-02-2011, 12:26 PM   #4
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Re: Insurance coverage -- again

Farmers- nothing, Progressive- nothing for van or the Jeep (both stated value). They'll make me provide documentation for every bolt and nut, no doubt, but up front they required nothing.
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Old 08-02-2011, 12:43 PM   #5
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Re: Insurance coverage -- again

Great feedback so far folks, but we are seeking an APPRAISER please. Thank you.
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Old 08-29-2011, 11:52 AM   #6
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Re: Insurance coverage -- again

Been paying State Farm faithfully for 14 years... no claims. Made 2 calls and one walk-in visit to agent to get my 16 yr old SMB covered as something more than just a van. Got no response or even a call back to say "no" over the course of a month.

Got on this Forum, searched insurance stuff, had a mail card from Geico, thought I'd give them a shout based on all their boasts about price/service. Got 'em on the phone...explained trying to cover van as an RV (plus my other auto)... talked w/ 3 separate, very nice folks all of whom said "we can do it", the last one said gonna get a specialist to call me back in 20 minutes. Two days, no call

Got back on the forum... read about Good Sam/GMAC. Called 'em up. Yep, they totally got the picture, do it all the time. Age of van did not allow "declared value", but would assess and properly value as an RV/SMB conversion in the event of a loss. Both drivers, both vehicles, exact same coverages on liability was $668/yr V $1090/yr that I had blindly been paying my golf playin'/steak eatin' State Farm dude.

Thankya SMB forum!

P.S. I explained all this, 'specially the "no call back" part to our State Farm regional supervisor. He said he'd "follow up"
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Old 08-29-2011, 12:20 PM   #7
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Re: Insurance coverage -- again

No issues with State Farm here, just showed them the original build sheet/invoice from 2002.
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Old 08-29-2011, 02:03 PM   #8
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Re: Insurance coverage -- again

I also had no issues with State Farm. Explained over the phone what it was and what features it had and that it was classified as a class B RV. I pay under $700 per year.

Mike
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Old 08-29-2011, 05:32 PM   #9
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Re: Insurance coverage -- again

Could anyone w/state farm PM me w/their policy names or appropriate identifiers? I haven't gotten a good response from my agent's office & I'd like some details when I talk w/him. I haven't pushed yet because delivery is a ways away ydt & I have an attractive possibility from Progressive. I'm parti ularly interested in full replacement coverage. Thanks.
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Old 08-29-2011, 06:42 PM   #10
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Re: Insurance coverage -- again

ummm, GoodSam/GMAC has full replacement coverage available for 6 YEARS if you start new with them... might be worth the looksee.
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